Make sure you’re adding (at least) the max they’ll match. I get paid hourly and they match up to 4%. I make them do the math so that no matter how many hours I work, it’s 4%. The office lady tried to make it easy and just calculate 4% on a 40hr week, but I work over 40s a fair bit. Nope, thanks, but I want all 4%. Will it mean early retirement? No. Does it matter in the least? No, I work hard for my money and I want it all. There’s never a reason to turn down free money from work.